Privacy Policy

PRIVACY POLICY

This Privacy Policy describes how LoanzAI ("we," "us," or "our") collects, uses, and protects your personal information when you use our website and services. By accessing or using our platform, you agree to the terms of this Privacy Policy.

INFORMATION WE COLLECT

We collect information you provide directly to us, such as when you create an account, apply for a loan, or contact us for support. This may include:

• Personal identification information (name, email address, phone number)
• Financial information (income, employment details, credit history)
• Identity verification documents
• Communication preferences

HOW WE USE YOUR INFORMATION

We use the information we collect to:

• Process loan applications and provide financial services
• Verify your identity and prevent fraud
• Communicate with you about our services
• Improve our platform and user experience
• Comply with legal and regulatory requirements

INFORMATION SHARING

We may share your information with:

• Lending partners to process your loan applications
• Service providers who assist us in operating our platform
• Regulatory authorities as required by law
• Credit bureaus for credit assessment purposes

We do not sell, trade, or otherwise transfer your personal information to third parties for marketing purposes without your consent.

DATA SECURITY

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes:

• Encryption of sensitive data
• Secure data transmission protocols
• Regular security assessments
• Access controls and authentication measures

COOKIES AND TRACKING

We use cookies and similar tracking technologies to enhance your experience on our platform. Cookies help us:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and recommendations
• Maintain session security

You can control cookie settings through your browser preferences, though some features may not function properly if cookies are disabled.

USER-GENERATED CONTENT

If you post content on our platform, including comments, reviews, or testimonials, this information may be visible to other users. We may use user testimonials and reviews for promotional purposes on our website and social media platforms.

You are responsible for any content you post, and we cannot prevent such information from being used in ways that may violate this Privacy Policy or your personal privacy.

YOUR RIGHTS

You have the right to:

• Access and review your personal information
• Request corrections to inaccurate data
• Request deletion of your personal information (subject to legal requirements)
• Opt-out of marketing communications
• File complaints with our grievance officer

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new effective date.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

GOVERNING LAW AND JURISDICTION

This Privacy Policy is governed by the laws of India. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts in Mumbai, India.